Yes, Japan is a racist society (as to some extent are the societies where each and every member of the SDMB come from), but things, I believe, are moving in the right direction. I’ve been here for almost fifteen years, but an increasing number of institutions and individuals are at least starting to feel embarrassed about being racist. A few months ago I got a new cellphone, and the office where I did the paperwork said that, in addition to my credit card details, they would require a photocopy of my passport. (The credit card was a Japanese one–more info later.) My wife (Japanese citizen) was getting a new phone at the same time, so I asked them why she didn’t have to show her passport too. After a few minutes’ conference with the branch manager the clerk I was dealing with accepted the application.
Having a Japanese S.O. definitely helps, but only if you are dealing directly with someone who has some influence on the proceedings. I find that the indignant “gaijin” asking, at least indirectly “are you being racist?” has some effect, but the Japanese S.O. looking scornfully at the clerk or manager with a “what century are you living in, buddy?” look on his/her face is more influential.
BTW, the clerks in computer stores may want to give you credit, but the credit companies themselves are outside of the influence of this technique. (They only get a fax, not “The Stare ™”
Anyway, I have TWO Japanese credit cards (Visa) from the Seiyu chain of department stores. The first, obtained about six years ago, was obtained by a variation of the previously-mentioned technique, and the second was obtained by mail application, with hardly a second thought (they did send the forms back once for correction). (Why card number two? Mileage!)
My advice: Go to Seiyu department store with a Japanese friend/spouse during one of their “Get a Seiyu credit card” campaigns (several each month). Be reasonable, and if they seem to be on the point of refusing, ask why, get your friend to ask why, and ask any Japanese person walking in the area why?
I love brackets! (Perhaps too much)